The Credit's Concentration in Commercial Banks

Badruldeen Mohd Ali
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Abstract

In this research, researchers try to find the concentration of credit in commercial bank. However, this study shows that there is a significant relationship between bank performance (in terms of profitability) and credit risk management (in terms of loan performance). Loans and advances and non-performing loans are major variables in determining asset quality of a bank. These risk items are important in determining the profitability of banks in Indonesia.
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商业银行信贷的集中
在本研究中,研究者试图找出商业银行的信贷集中度。然而,本研究表明,银行绩效(就盈利能力而言)与信贷风险管理(就贷款绩效而言)之间存在显著关系。贷款、垫款和不良贷款是决定银行资产质量的主要变量。这些风险项目在决定印尼银行的盈利能力方面很重要。
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